Which of the following is categorized as a general exclusion in homeowner policies?

Intentional losses are categorized as a general exclusion in homeowner policies because insurance is designed to provide coverage for unforeseen and accidental events, rather than for acts that are deliberate. When a policyholder intentionally causes damage or loss, it is against the principles of insurance, which is founded on mutual benefit and risk sharing among insured parties. Thus, if someone intentionally damages their home or property, the insurance company will deny coverage for that loss, reinforcing the concept that insurance should not cover actions that are willfully destructive.

In contrast, fire damage and theft typically fall within the coverage provided by homeowner policies, assuming the loss meets the policy’s terms. Sewer backup is often considered an additional risk and may require separate coverage or an endorsement, as it is not universally included in standard homeowner policies. Therefore, understanding that intentional losses are excluded helps in grasping the foundational concepts of liability and risk in insurance.